In this episode, I sit down with Monty Felts, a former international project executive who managed over $40 billion in energy projects for ExxonMobil and Chevron, then walked away from a seven-figure overseas career to build a mortgage business from scratch. What followed wasn’t a smooth transition.

Monty lost over $500,000, hit rock bottom, questioned everything he believed about leverage, debt, and success,  and rebuilt his life, business, marriage, and faith from the ground up.

Today, in one of the toughest rate environments in decades, Monty has closed $55 million in loans, not by chasing rates, but by helping people see the consequences of financial decisions before they make them.

👇 CHAPTERS & TIMESTAMPS 👇

00:00 – Most people misunderstand mortgage and real estate strategy; it’s not about rates, it’s about control.

03:40 – From managing $40B global energy projects to walking away from a capped career.

06:30 – How football, discipline, and teamwork shaped Monty’s leadership mindset.

18:20 – Why “don’t quit” is the most underrated business strategy.

22:10 –  Why success is never a solo game.

37:40 –  From commanding teams to being told “no” and how coaching saved everything.

50:10 – Why true sales create wins for everyone, and why most people get this wrong.

1:05:20 – Why “all debt is evil” is one of the most dangerous financial myths.

1:21:30 –When it makes sense,  and when it absolutely doesn’t.

1:47:30 – Time in the market vs. timing the market,  with real numbers.

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🔗 Connect with Monty Felts on social links below 👇

Find Monty Felts on Instagram https://www.instagram.com/monty.felts

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Find Monty Felts on Facebook

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DISCLAIMER: Matt Sapaula is not a registered investment advisor for the offering or sale of securities nor to provide investment advice. Matt only deals in securities subject to an exemption from registration and will only provide investment services to accredited investors as defined by the Illinois Securities Act of 1953.